Fee impact calculator
Measure what annual fees really take out of your capital over time, compounding included.
This page in no way constitutes financial advice.
This page reflects solely the analysis of the editorial team, which alone is responsible for it. It constitutes neither investment advice, nor a personalised recommendation, nor a solicitation to buy or sell any financial product. Past performance is no indication of future performance, and any investment carries a risk of capital loss. Before making any decision, consult an authorised financial adviser.
Why the gap looks disproportionate
Fees do not simply remove a percentage each year: they also remove everything that amount would have earned afterwards. That is why a fee gap that looks trivial over one year becomes considerable over twenty.
To compare two solutions, add up every layer of fees: the fund’s own charges, the wrapper’s fees, and any switching costs. That total is what you should enter here.
This calculator is for information only. It uses simplified assumptions, ignores your personal situation and does not constitute investment advice.